Substitute Senate Bill No. 9, also known as Public Act No. 25-33, establishes new requirements for homeowners and renters insurance policies, mortgage transactions, and municipal planning in Connecticut, effective July 1, 2026. The bill mandates that insurers inform policyholders that standard homeowners insurance does not cover flood damage and that separate flood insurance is available. Additionally, creditors must notify mortgage applicants about the lack of flood coverage in standard policies at least ten days before closing, requiring a signed acknowledgment from the applicant. The bill also amends the Uniform Property Condition Disclosure Act, requiring sellers to disclose whether a property is in a flood hazard area and any knowledge of prior litigation related to hazardous substances, thereby enhancing transparency in property transactions.

Furthermore, the bill introduces provisions for municipal evacuation and hazard mitigation plans, requiring them to address climate change impacts starting October 1, 2027. It mandates municipalities to submit geospatial data related to critical infrastructure and to create resiliency improvement districts to address climate change impacts. The bill also includes new regulations on pesticide use, classifying certain rodenticides for restricted use and imposing restrictions on neonicotinoids. Overall, the legislation aims to improve community resilience against climate change, enhance property disclosure practices, and streamline environmental regulations while ensuring accountability and public participation in the planning process.

Statutes affected:
Committee Bill: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
ENV Joint Favorable Substitute: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
File No. 418: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
JUD Joint Favorable: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
APP Joint Favorable: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
FIN Joint Favorable: 20-327c, 7-364, 8-23, 28-5, 8-2e, 8-2f
Public Act No. 25-33: 7-364, 8-23, 28-5, 8-2e, 8-2f